Call reports 2003
CALIFORNIA OAKS STATE BANK — 2003
What CALIFORNIA OAKS STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 90,746,000 | 103,196,000 | 92,242,000 | 80,222,000 |
| Total loans | 52,637,000 | 53,717,000 | 52,942,000 | 52,683,000 |
| Allowance for loan losses | 465,000 | 611,000 | 545,000 | 476,000 |
| Securities available for sale | 12,897,000 | 14,864,000 | 13,179,000 | 12,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,101,000 | 98,656,000 | 86,673,000 | 74,095,000 |
| Interest-bearing deposits | 53,545,000 | 58,307,000 | 47,840,000 | 38,032,000 |
| Noninterest-bearing deposits | 32,556,000 | 40,349,000 | 38,833,000 | 36,063,000 |
| Equity capital | 4,565,000 | 4,428,000 | 4,004,000 | 5,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,155,000 | 2,373,000 | 3,551,000 | 4,702,000 |
| Interest expense | 89,000 | 196,000 | 267,000 | 308,000 |
| Net interest income | 1,066,000 | 2,177,000 | 3,284,000 | 4,394,000 |
| Noninterest income | 126,000 | 358,000 | 675,000 | 1,083,000 |
| Noninterest expense | 1,184,000 | 2,586,000 | 4,165,000 | 5,962,000 |
| Provision for loan losses | 27,000 | 173,000 | 211,000 | 241,000 |
| Pretax income | -19,000 | -204,000 | -397,000 | -706,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -19,000 | -205,000 | -398,000 | -707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,590,000 | 4,404,000 | 4,211,000 | 5,982,000 |
| Total capital | 5,055,000 | 5,015,000 | 4,756,000 | 6,509,000 |
| Risk-weighted assets | 61,650,000 | 66,137,000 | 63,856,000 | 61,064,000 |